How does the state confirm insurance coverage?

The Department of Revenue selects registrations of motor vehicles for which insurance could not be confirmed (verified) using OIVS to determine if the owners are maintaining liability insurance in accordance with the MLI law by the following methods:

The department reviews motor vehicle registrations using a real time verification process directly with the insurance companies on every vehicle registered in the state that is subject to the MLI law.

The department receives notice that the Alabama driver’s license associated with the vehicle registration has been suspended or revoked by the Department of Public Safety.

The department receives notice that there was a ticket issued for failure or refusal to comply with a request by a law enforcement officer for display of evidence of insurance coverage on the vehicle.

ADOR will follow-up on any unconfirmed responses received from the insurer by sending a questionnaire to the registrant in an attempt to obtain updated policy information. (The department also has asked insurers to provide a monthly file of active policies to ensure registration records are updated for confirmation of coverage.) A sample questionnaire document is available from the Motor Vehicle Division website at https://www.revenue.alabama.gov/motor-vehicle/.